Can I retire at age 30 with 1,810,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$149,468$148,137$146,838$145,570$144,332$141,476
2 years$73,994$72,616$71,280$69,986$68,729$65,864
3 years$48,839$47,455$46,123$44,840$43,605$40,819
4 years$36,265$34,885$33,566$32,305$31,099$28,415
5 years$28,722$27,350$26,048$24,813$23,641$21,066
6 years$23,695$22,333$21,051$19,843$18,706$16,244
7 years$20,105$18,756$17,494$16,314$15,213$12,863
8 years$17,414$16,077$14,836$13,686$12,621$10,382
9 years$15,323$13,998$12,778$11,657$10,629$8,501
10 years$13,650$12,338$11,140$10,049$9,056$7,036
11 years$12,283$10,984$9,808$8,745$7,789$5,875
12 years$11,144$9,859$8,704$7,671$6,749$4,939
13 years$10,182$8,909$7,777$6,772$5,886$4,175
14 years$9,357$8,098$6,987$6,012$5,159$3,546
15 years$8,643$7,398$6,309$5,361$4,543$3,023
16 years$8,019$6,788$5,720$4,800$4,015$2,585
17 years$7,469$6,251$5,205$4,313$3,560$2,216
18 years$6,980$5,776$4,751$3,887$3,165$1,905
19 years$6,544$5,353$4,349$3,512$2,821$1,640
20 years$6,152$4,975$3,992$3,181$2,520$1,414
21 years$5,797$4,634$3,672$2,887$2,255$1,221
22 years$5,475$4,325$3,384$2,625$2,021$1,056
23 years$5,182$4,045$3,124$2,391$1,815$914
24 years$4,913$3,790$2,890$2,180$1,631$792
25 years$4,666$3,557$2,676$1,991$1,468$686
26 years$4,439$3,343$2,482$1,821$1,322$595
27 years$4,229$3,146$2,305$1,666$1,192$517
28 years$4,034$2,965$2,143$1,527$1,075$449
29 years$3,853$2,797$1,994$1,400$971$390
30 years$3,684$2,641$1,857$1,285$877$339
31 years$3,527$2,497$1,732$1,180$793$294
32 years$3,380$2,363$1,616$1,085$718$256
33 years$3,241$2,237$1,508$997$649$223
34 years$3,112$2,121$1,409$918$588$194
35 years$2,990$2,011$1,318$845$533$168
36 years$2,875$1,909$1,233$778$483$147
37 years$2,766$1,813$1,154$717$437$128
38 years$2,664$1,723$1,080$661$396$111
39 years$2,567$1,639$1,012$609$360$97
40 years$2,475$1,559$949$562$326$84
41 years$2,387$1,484$890$518$296$73
42 years$2,304$1,413$835$478$268$64
43 years$2,226$1,347$783$442$244$56
44 years$2,151$1,284$735$408$221$48
45 years$2,079$1,224$690$377$201$42
46 years$2,011$1,168$648$348$182$37
47 years$1,946$1,114$609$321$166$32
48 years$1,884$1,064$572$297$150$28
49 years$1,824$1,016$538$274$137$24
50 years$1,767$970$506$254$124$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $1,810,000, adding $3,250 every year, while hoping to spend $46,863 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 35/41/24 Blend
29$1,810,000$1,810,000$1,810,000$1,810,000
30$1,997,972$1,902,042$1,873,987$2,053,277
31$2,151,904$1,945,381$1,886,904$2,137,888
32$2,319,965$1,989,272$1,898,683$2,224,609
33$2,503,549$2,033,693$1,909,236$2,317,243
34$2,704,187$2,078,621$1,918,472$2,416,350
35$2,923,567$2,124,025$1,926,293$2,522,543
36$3,163,545$2,169,877$1,932,598$2,636,500
37$3,426,167$2,216,141$1,937,280$2,758,969
38$3,713,684$2,262,780$1,940,227$2,890,776
39$4,028,577$2,309,753$1,941,322$3,032,828
40$4,373,575$2,357,015$1,940,440$3,186,131
41$4,751,688$2,404,516$1,937,452$3,351,790
42$5,166,226$2,452,203$1,932,223$3,531,027
43$5,620,837$2,500,018$1,924,609$3,725,187
44$6,119,540$2,547,897$1,914,461$3,935,757
45$6,666,760$2,595,771$1,901,622$4,164,376
46$7,267,372$2,643,566$1,885,929$4,412,851
47$7,926,746$2,691,202$1,867,209$4,683,175
48$8,650,796$2,738,593$1,845,282$4,977,549
49$9,446,037$2,785,644$1,819,960$5,298,399
50$10,319,649$2,832,256$1,791,044$5,648,402
51$11,279,537$2,878,321$1,758,329$6,030,509
52$12,334,414$2,923,723$1,721,596$6,447,977
53$13,493,875$2,968,336$1,680,621$6,904,397
54$14,768,494$3,012,029$1,635,166$7,403,733
55$16,169,919$3,054,657$1,584,982$7,950,354
56$17,710,983$3,096,067$1,529,811$8,549,079
57$19,405,825$3,136,096$1,469,382$9,205,224
58$21,270,023$3,174,569$1,403,410$9,924,653
59$23,320,741$3,211,298$1,331,599$10,713,831
60$25,576,889$3,246,083$1,253,640$11,579,890
61$28,059,303$3,278,713$1,169,208$12,530,695
62$30,790,940$3,308,959$1,077,966$13,574,918
63$33,797,097$3,336,578$979,558$14,722,125
64$37,105,645$3,361,314$873,617$15,982,864
65$40,747,293$3,382,891$759,756$17,368,764
66$44,755,881$3,401,017$637,572$18,892,654
67$49,168,695$3,415,381$506,644$20,568,675
68$54,026,818$3,425,651$366,534$22,412,424
69$59,375,522$3,431,477$216,781$24,441,096
70$65,264,690$3,432,484$56,908$26,673,651
71$71,749,288$3,428,275$0$29,130,998
72$78,889,885$3,418,430$0$31,865,303
73$86,753,220$3,402,500$0$34,890,308
74$95,412,838$3,380,012$0$38,219,587
75$104,949,777$3,350,462$0$41,884,177
76$115,453,336$3,313,316$0$45,918,291
77$127,021,916$3,268,008$0$50,359,637
78$139,763,950$3,213,939$0$55,249,780
79$153,798,924$3,150,473$0$60,634,531
80$169,258,505$3,076,938$0$66,564,382
81$186,287,785$2,992,620$0$73,094,989
82$205,046,646$2,896,765$0$80,287,691
83$225,711,272$2,788,575$0$88,210,099
84$248,475,811$2,667,204$0$96,936,730
85$273,554,205$2,531,759$0$106,549,716
86$301,182,213$2,381,294$0$117,139,581
87$331,619,630$2,214,808$0$128,806,096
88$365,152,743$2,031,245$0$141,659,226
89$402,097,033$1,829,487$0$155,820,169
90$442,800,151$1,608,352$0$171,422,505
91$487,645,196$1,366,591$0$188,613,457
92$537,054,339$1,102,886$0$207,555,287
93$591,492,798$815,844$0$228,426,827
94$651,473,235$503,993$0$251,425,179
95$717,560,595$165,778$0$276,767,569
96$790,377,433$0$0$304,693,411
97$870,609,798$0$0$335,556,997
98$959,013,700$0$0$369,646,910
99$1,056,422,254$0$0$407,209,682
100$1,163,753,539$0$0$448,599,409